Insurance companies now give back thousands of crowns for medicines! You can also get them



Of the reimbursed money for medication supplements will be many more people this year than in previous years. For example, Oborová zdravotní pojišťovna (OZP) speaks for a tenfold increase. While it sent customers 1 207 789 crowns in the first half of 2017, this year a total of 12 427 636 kronor.

"We have prepared our customers safely for the increase in the amount of money in the year of the insurance budget, so everyone gets their money exactly and on time, and we do not have to worry about anything, we monitor the limit, we automatically send money even this week, "said Radovan Kouřil, CEO of OZP. "The lower protection limit helps older people or people with a complicated medical condition to better manage the financial burden of the disease," he added.

REPAIRS BY CUSTOMERS AGE

Last year the limit for the protective limit for 694 customers exceeded last year, but this year OZP returned a total of 17,902 customers. The limit of protection therefore exceeded 25 times more customers compared to last year.

VARIATIONS OF ADDITIVES WITHIN THE PROTECTIVE LIMIT

"The largest volume of returned money and the highest number of customers who have reached the limit of protection is in the group of customers over 70. We return a total of CZ 9 962 360. A significant increase is also for customers between 65 and 70 years to whom we repay 1 696 265 CZK "For children under the age of 18 or their parents, we will send CZK 85,174 for the second half of the year", says Aneta Proksova, business director of OZP.

A similar trend is confirmed by the Czech Industrial Health Insurance Company (ČPZP). In the second quarter of this year, customers will be waiving more than 13.7 million crowns. Up to 26,000 customers of this insurance company are entitled to a refund. The highest payment is CZK 11,070 and is sent to insured parties from the Moravia-Silesia region.

"Compared with the same period last year, the total amount is about tenfold, while the number of insured with overpaid amounts increased about 30 times and information about the reimbursement of the overpaid along with the postal money or money for the account of the customer to ČPZP is sent on these days, "said Elenka Mazurova, spokesperson for ČPZP.

Overpayments above the limit have already increased considerably in the first quarter of this year, when ČPZP received more than 10,000 of its insured persons of more than 4 million CZK. In the 2nd quarter of 2017, ČPZP CZK reimbursed 1.3 million to around eight hundred insureds.

Who is entitled to a refund

A limit is set for each person that can be paid annually for medication supplements. If he exceeds it, the insurance company pays the difference. "If the insured person exceeds the prescribed limit, medication supplements must always be paid, but the health insurance company will repay the amount paid to him / her every quarter so that the insured party receives the surplus from the account or post office no later than 60 days after the end of the quarter in which the limit has been exceeded, Mazurova adds.

LEGAL PROTECTION LIMIT

The supplement is included in the supplement paid in the pharmacy for prescription drugs. For a specific drug, the amount that someone would have paid would be counted if he had taken the drug in his or her cheapest variant. For some medicines that can be replaced without a problem with a cheaper option, only part of the supplement can be included in the protection limit. The limit of protection is calculated as the sum of all overnight payments. It comes back quarterly, for the first time in the quarter when a certain person exceeded his personal limit.


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